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Can we buy my mum’s house and build her an annexe to live in?
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theguardian.comQ I have a complicated mortgage question for you. We are looking to buy my mum’s house (which she owns outright) and build her a granny annexe in the same property.
Our home has a mortgage of about £270,000 on it and is worth about £345,000. My mum’s house is worth about £700,000.
We’re thinking of selling our home, buying my mum’s house, continuing with a mortgage of about £200,000, and using this to build the granny annexe and to carry out other refurbishments on the main house. I’m hoping that this will mean that my mum will remain happy, as she will have a new custom-built home in a familiar location with us close by.
One thing which is worrying me is that I’ve become self-employed over the past two years, and have gone to earning half of
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